Digital banking for all lifestyles

Unlock the power of money with a free Carbon bank account. Pay bills, transfer money, get instant loans and enjoy high-interest savings, all in one place.

NDIC Insured
Licensed by the Central Bank
Carbon account

Bank with peace of mind

Your Carbon account allows you enjoy cheaper transactions, zero account fees, and an annual interest of 2% per annum.

Learn more
Instant loans

We make access to credit simple and easy. No guarantors, collaterals, or long forms.

Apply 24/7 and receive funds in your Carbon account instantly. Unlock higher loan amounts and lower interest rates by repaying loans on time.

Learn more
Smart investments

We offer market-leading returns on savings

Your money is always working harder for you.
Earn up to 11% interest p.a. when you invest with Carbon.

Learn more
Fast payments

Enjoy seamless payments, at little or no cost

You can send money to anyone, pay all your bills, and recharge airtime, with just a few taps on your smartphone - and always at the lowest possible cost.

Learn more
Free credit reports

Keep track of your credit history across financial institutions

Be notified of any issues you may have. We’ll help you stay on top of things.. and it’s completely free.

Learn more
Carbon cards

Virtual or Physical? Choose one. Or both.

Our physical debit cards give you access to cash withdrawals anywhere. And with our secure virtual cards, you can pay for products on your favourite online stores, in dollars.

Learn more

Get started on Carbon today!

01

Download the app

Get the Carbon App on Google Play Store for Android or App Store for iOS.

01

Schedule a call

02

Register within minutes

Tell us a few details about you to help us create your Carbon account quickly.

03

Lets see what you can do

04

Meet the people team

05

Meet the founders

06

Decision

01

Schedule a call

02

Getting to know you

03

Start banking

You’re ready to go. Carry out all your banking transactions  within the app, from investments to loan applications and bill payments.

04

Meet the people team

05

Meet the founders

06

Decision

01

Download the app

Get the Carbon App on Google Play Store for Android or App Store for iOS.

02

Register within minutes

Tell us a few details about you to help us create your Carbon account quickly.

03

Start banking

You’re ready to go. Carry out all your banking transactions  within the app, from investments to loan applications and bill payments.

Trusted by over 2 million customers

+4.4

Score based on over 78,000 reviews on Google Play Store and App Store

I had an awesome experience with carbon, very reliable n trustworthy, infact d instalmental repayment is d tip of d iceberg. I hereby recommend this LOAN APP among apps...CARBON to all prospective borrower, u will never be disappointed.

Gbenga John Osukoya

The best online loan service hands down. Just ensure to pay your loans on time and you'll get access to better loans and so many other rewards. Very ideal for fast track business owners who need quick access to funds on the go.

Elaine Okafor

The best payment and fastest loan platform with lower interest rates, very reliable for investment and transact as quick as texting of messages. I recommend you all to join carbon.

Jonah Atsale

This is best loan App I have come across. 1. Easy and convenient to register. 2. Loan amount is the highest I have seen so far. 3. The requirements are normal and not out of place. No request for statement of account or bills. 4. The customer care service is top notch. 5. Prompt is response to compl...

Adenegan Opeyemi

If there is anything more than five star I will give to carbon, they are wonderful and unique in every aspect I highly recommend this app for everyone I love you and guys and ur services, this app is just like a mobile Bank its self, kudos to you guys !!!!

Progress Harrison

If you’re tired of traditional banks, then get Carbon. I use Carbon for nearly all my online transactions for services such as electricity, cable TV, and bank transfers at no cost. Getting a loan is seamless, plus free credit reports.

Adebola

A digital bank made just for you

Open a new Carbon bank account from your phone or computer and follow the simple on-screen steps to register for an account in minutes.